Haus Lending

Nationwide Direct Lender for Professional Real Estate Investors

Get reliable funding for your fix and flip projects, ground up construction and rental properties. As a Roc360 company, Haus Lending is powered by a leading, nationwide platform that has funded nearly $8 billion in investment property loans. We offer 7 loan products:

Fix & Flip – Bridge loans to purchase, renovate, and sell non-owner occupied homes with 1-4 units.
Ground Up – New construction financing for real estate developers.
Multifamily Bridge – Bridge loans to purchase, renovate, and stabilize multifamily or mixed-use properties with 5+ units.
Stabilized Bridge – Short term bridge loans for rent-ready properties with no planned renovations.
Rental Portfolios – Long term capital to purchase or refinance multiple non-owner occupied rental properties.
Single Property Rental – Long term capital to purchase or refinance non-owner occupied rental properties with 1-4 units.
Multifamily Term – Long term capital to purchase or refinance multifamily or mixed-use rental properties with 5+ units.

Please note: We do NOT offer loans for owner-occupied homes or consumer purposes.

Property Geographic Area Details

Nationwide except Minnesota, North Dakota, Oregon, South Dakota, Utah, and Vermont.

Loan Amounts

$50,000 to $50,000,000

Loan Terms

12 months to 360 months

Lien Position

1st

Collateral Types

Residential Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Value Add Project
Development Project
Primary Residence Purchase

Property Occupancy

Vacant
Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add)

Max LTP Residential: 70%

Purchase Long-Term

Max LTP Residential: 80%

Refinance Short-Term (no Cash Out)

Max LTV 1st Lien Residential: 70%

Refinance & Cash Out Short-Term

Max LTV 1st Lien Residential: 70%

Refinance Long-Term

Max LTV Residential: 80%

Max LTV Multifamily: 70%

Residential Fix & Flip

Max LTP: 85%

Max LTC: 100%

Max LTARV: 70%

Residential Rehab & Hold

Max LTP: 85%

Max LTC: 100%

Max LTARV: 70%

Multifamily Value-Add

Max LTP: 80%

Max LTC: 75%

Max LTARV: 70%

Residential Construction

Max LTP Land: 75%

Max LTC: 80%

Max LTCV: 70%

Multifamily Construction

Max LTP Land: 75%

Max LTC: 80%

Max LTCV: 70%

Fix & Flip

Haus Lending’s fix and flip loans provide you with a reliable funding source to purchase and rehabilitate new properties.

Property Types: Residential 1-4 Units
Loan Amount: $50,000 – $5,000,000
Maximum LTC: Up to 85% purchase, Up to 100% of rehab
Max Loan to ARV: 70%
Term Length: 12 months, Up to 18 at Lender Discretion
Recourse: Full recourse only

Ground Up Construction Loans

Haus Lending offers ground up construction loan financing that provides builders with a straightforward, common sense lending program.

Property Types: Residential 1-4 Units
Loan Amount: $50,000 – $5,000,000
Maximum Loan to Cost: Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
- LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
Maximum Loan to Cost Total: 80%
Max Loan to ARV: 70%
Term Length: 12 months, Up to 18 at Lender Discretion
Recourse: Full recourse only

Multifamily Bridge

Haus Lending is the leader in small balance multifamily investment properties, offering extensive debt solutions through a vertically-integrated national lending platform.

Property Types: Multifamily 5+ Units
Loan Amount: $500,000 – $5,000,000
Loan Types: Interest only, fixed and adjustable rate mortgage options
Maximum Loan to Stabilized Value: 75%
Term Length: Up to 24 months + two 6-month extensions

Single Family Rental

Our single family rental loan product is flexible to meet the needs of all experienced real estate investors, allowing you to access long-term financing with support from our team of experts.

Property Types: Single family, 2-4 unit, townhomes, PUD, warrantable condos
Loan Amount: $75,000 – $2,000,000
Loan Types: 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
Term Length: 30 Years
Minimum Guarantor FICO: Mid-Score of 660

Rental Portfolios

Our rental property loan products are flexible to meet the needs of different rental property investors, allowing you to access long-term financing at a fixed rate for one property or many.

Property Types: Single family, 2-4 units, townhomes, PUD, warrantable condos
- 5-8 Unit Properties allowed up to 15% of Loan Amount
Loan Amount: $150,000 – $50,000,000
Loan Types : 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
Maximum Loan to Stabilized Value: 75%
Term Length: 5, 10 & 30 Years

Multifamily Term

Our suite of rental loan products includes expanded multifamily and larger units, financed and underwritten with our common sense and flexible guidelines.

Property Types: 5-8 Unit Residential Properties
Loan Amount: $250,000 – $3,000,000
Max LTV:
- Purchase/Rate-Term Refinance: 70%
- Cashout Refinance: 70%
Term Length: 30 Years

Stabilized Bridge Purchase

For borrowers who are seeking a quick close bridge loan to purchase rental properties that do not need renovations

Max LTC
Subject to LTV Limits
85% if qualifying FICO ≥ 720
80% if qualifying FICO 700 – 719
70% if qualifying FICO 660 – 699

Max LTV
Subject to LTC Limits
70% if qualifying FICO ≥ 700
65% if qualifying FICO 680 – 699
60% if qualifying FICO 660 – 679

Minimum DSCR
Minimum in place DSCR of 1.00 based on IO bridge loan payment.
Minimum exit DSCR of 1.20 based on 30yr FRM and current Haus rate + 50 bp.

Stabilized Bridge Seasoned Refinance

For borrowers with rent-ready properties that have been owned for more than 12 months, do not have deferred maintenance, and are looking for cash out (value based underwrite)

Max LTV

Rate/Term Refinance
70% if qualifying FICO ≥ 700
65% if qualifying FICO 680 – 699
60% if qualifying FICO 660 – 679
Cash Out
70% if qualifying FICO ≥ 720
65% if qualifying FICO 700 – 719
60% if qualifying FICO 680 – 699
60% if qualifying FICO 660 – 679

Minimum DSCR
Minimum in place DSCR of 1.00 based on IO bridge loan payment.
Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp

Stabilized Bridge Non-Seasoned Refinance

For borrowers with rent-ready properties that have been owned for less than 12 months and do not have deferred maintenance.

Max LTC
Subject to LTV Limits
85% +100% of completed renovations if qualifying FICO >=720
80% +100% of completed renovations if qualifying FICO 700-719
70% +100% of completed renovations if qualifying FICO 660-699

Max LTV
Subject to LTC Limits
70% if qualifying FICO ≥ 700
65% if qualifying FICO 680 – 699
60% if qualifying FICO 660 – 679

Cash Out Allowed
Follow LTC guidelines

Minimum DSCR
Minimum in place DSCR of 1.00 based on IO bridge loan payment.
Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp

Leverage advertised is the highest offered. Actual leverage and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.

Property Types

2-4 Units Residential
Condominium
Mixed-Use
Multifamily
Single Family Residence

Loan Types

Private Money
Hard Money
Residential Bridge
Residential Fix and Flip
Residential Rehab and Rent
Residential Ground-Up Construction
Residential Long-Term Rental

Specialty Loan Types

Residential Long-Term Rental
Residential Short-Term Rental

85% is the maximum loan-to-purchase price for rehab projects. For a non-rehab purchase, or what we call a "Stabilized Bridge Loan" we can fund up to 70% of the purchase price.

Max Loan-to-Purchase Price

85%

Borrower Must Have Property Under Contract

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

Allowed Source of Borrower’s Equity

Own Cash
Partner
Equity in Another Investment Property
Family

Borrower must put down at least 15% cash for the purchase.

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

Maximum After Repair Value

70%

80% max loan-to-cost for the entire project. For entitled land purchase, we can fund up to 75% of the lower of land value or purchase price. 60% max if land is unpermitted. LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

For cash out refinance, the maximum LTV is 75%. Minimum Guarantor FICO: Mid-Score of 660. Minimum Debt Service Coverage Ratio: 1.10x (Gross Rent/PITIA). Property Types: Single family, 2-4 unit, townhomes, PUD, warrantable condos.

Minimum Loan Amount

$75,000

Maximum Loan Amount

$2,000,000

Minimum Loan Term

360 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Maximum Loan-To-Purchase

80%

Minimum Debt Service Coverage Ratio

1.10

Will Lend on a Portfolio of Properties

Yes

Fees which are mandatory for all new borrower clients

Legal Fee

Fees which are paid to a third party company

Appraisal Fee
Escrow Fee
Title Fee
Renovation or Construction Funds Draw Fee

Details and Requirements

Payment Structure

Interest Only
Amortized
Interest Reserve

Pre Payment Penalty

yes

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

Will Consider Collateralizing Multiple Properties in One Loan

Will Consider Equity Joint Venture

Borrower Entity Types Considered

LLC
Corporation

Documentation Required

Credit Report
Bank Statements
Loan Application

Personal Guaranty (Recourse) Required

Always

Credit Check Required

yes

Minimum Credit Score Required

660

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Legal Disclaimer

Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc. Leverage advertised is the highest offered. Actual leverage and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.

Additional Details

Haus Lending is an affiliate of Loan Funder LLC, which is licensed as a California Finance Lender under Department of Business Oversight License 60DBO-69051. Arizona Commercial Mortgage Banker License 1002735. Florida Mortgage Lender Servicer License MLD1778. Nevada Mortgage Company (License #5100) (Loan Funder LLC) North Carolina Loan Broker Registration Filing 315. NMLS Company ID 1804080. West Virginia State Tax Department, Account #2410-0931 (Loan Servicer LLC).

Haus Lending Testimonials

Craig Thompson

"Haus Lending gets it. They know how to talk to pros – they will quickly work through the best funding scenario and get you the best available deal – interest charged as funds are disbursed, no ”as is” appraisal requirements. They understand that time is money, and I move fast."

Boise, Idaho

Robert Gardner

"When you’re in a hot real estate market, like Phoenix, the real opportunity is usually outside of the standard box. My family has been in this valley for decades, so we know what’s what, and we can suss out the deals with true upside. I use Haus Lending for all of my real estate investment properties because they’re the most flexible on rates and terms, period. AND I can work with them on everything from new construction to mixed-use to multifamily. Closing speed is a huge plus for me – Haus moves quickly and they’re responsive. I feel like I have a partner rather than a broker, and that makes all the difference."

Phoenix, Arizona

Matt Oliver

"I moved to Oregon five years ago after selling part of a company in Silicon Valley. When I was looking for my own home, I saw so many houses that needed just a little bit of work, but I didn’t want to buy and go right into a remodel. After I bought the home I live in now, I thought about all of the Californians like me moving to Portland’s booming tech scene, so I started buying and fixing rentals through an LLC. At first, I was losing out on homes because the local market is really competitive and I couldn’t move fast enough. I needed a group that could close quickly and handle all the financing along the way from bridge to refi to 30 year term and also save me critical time and headaches with appraisals and insurance — Haus Lending helped me close quickly and get deals done without worrying about whether they could fund my project, or if I could line up an appraisal, or if I had the right insurance."

Beaverton, Oregon

Chris Siconolfi

"Haus Lending can lend in almost every state. I’ve been buying up property everywhere west of the Rockies, and they’ve done right by me on dozens of deals. Last year, when the deal flow slowed down a bit out west, I was still able to use Haus to expand throughout the Sun Belt — Florida, the Carolinas, etc. I thought I might have to work with a different regional capital provider, but when I checked with my guy at Haus, sure enough they were able to work with me in the Sun Belt at the same speed, rates and terms as in Arizona and Texas. Other outfits might be able to come close on terms and rates, but when an appraisal takes too long, or the construction insurance guy is too busy fishing to call you back, that hassle makes you want to pull your hair out. I don’t have those problems anymore because I work with Haus Lending. That’s why I’m with them — a one stop shop with consistency, reliability, people who actually respond and good pricing. Tough to beat."

Fisco, Texas

Benjamin Hohmann

"I was new to Fix & Flip financing, but I’d been a contractor for 15 years in the greater Seattle area. Haus Lending saw that I had a real understanding of the local markets, and they valued my experience despite never having purchased a home specifically for Fix & Flip. Not only did Haus work with me and my investors, they made the whole closing process easy and fast — particularly with the appraisals, which, I know from experience on the contractor side, is usually really painful. I flipped my first house as an investor, and now I’m looking to invest more. Thank you Haus Lending."

Snohomish, Washington

House Flip Contractor

"A lot of shops give you a low rate or high LTC, but what the team at Haus Lending does is answer the phone when I call – and when I tell them I have a deal that needs to close fast, they say, “O.K., let’s do it.”"

Contact Haus Lending

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1-877-464-XXXX

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Professional Service for Professional Property Investors

Haus Lending brings finance industry experience and know-how to residential real estate investment professionals, providing high-touch service on an expedited timeline. As a Roc360 company, borrowers tap into the nationwide experience and technology of a platform with more than $8 billion in loans closed. While institutional in size, Haus Lending retains a personal touch, and our 5 core values, P.R.E.S.S., were built around perfecting the customer experience.

The acronym for our core values is: P.R.E.S.S.

Personalization
We offer six different loan products, catering to each investor’s specific needs and goals. Each and every loan we make is unique.
Responsibility
While other lenders have disappeared, Haus Lending is here for you. We’ve always been fiscally responsible while helping our borrowers build their own businesses. It is our mission to continue investing in the US housing market by making sure our borrowers are set up for success.
Expertise
We have experienced loan specialists committed to staying at the forefront of real estate lending.
Speed
We know how important speed is to our borrowers and we make it our business to push the limits of how fast a lender can move.
Service
We make sure every investor has one dedicated loan specialist from start to finish. Talk to a person — not a robot.

License

NMLS ID 804080, California CFL 60DBO-69051, Arizona MB-1002735

Associations

National Private Lenders Association
American Association of Private Lenders

Office Locations

645 Madison Avenue, 19th Floor, New York, New York 10022

Contact Haus Lending

Haus Lending pays us to be listed, so there is no fee to connect with them directly.

1-877-464-XXXX

Click to show phone number

Send email Create a Loan Request

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Contact This Lender

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1-877-464-XXXX

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